Couple together making 250K, 401 K, Backdoor Roth, FSA - all maxed. What are the other avenues to reduce uncle sams cut ?

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HSAs might be an option, but often the trade off of shittier coverage isn’t worth the couple bucks. We’re in the same boat and contribute to a taxable heavily; there don’t seem to be good tax shields for us upper-middle peasantry

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This year is out. Next year, buy a house / take a mortgage, and pop out some kids

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We actually have a home on mortgage and one kid with the other on the way. Mortgage is still under the 25K for standard deduction so couldn’t get much out of it

Backdoor roth doesn’t reduce taxes you pay current year though

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Real estate

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Are you considering kids? 529 plan?

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I thought of it. But my state doesn’t offer any tax breaks for 529 so not sure if that is beneficial

But there is no limit to back door Roth?

Incorrect

Any particular reason why you aren’t talking to a tax professional but on this platform?

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